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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Moshe Orenbuch | TD Cowen | 12 | 0% |
| Sanjay Sakhrani | KBW | 10 | 10% |
| Terry Ma | Barclays | 9 | 0% |
| Ryan Nash | Goldman Sachs | 9 | 33% |
| Erika Najarian | UBS | 7 | 0% |
| Don Fandetti | Wells Fargo | 7 | 14% |
| John Hecht | Jefferies | 7 | 0% |
| John Pancari | Evercore ISI | 7 | 14% |
| Mihir Bhatia | Bank of America | 6 | 0% |
| Rick Shane | JPMorgan | 5 | 20% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| TD Cowen | 1 | 12 | 0% |
| KBW | 1 | 10 | 10% |
| Goldman Sachs | 1 | 9 | 33% |
| Barclays | 1 |
| 9 |
| 0% |
| UBS | 1 | 7 | 0% |
| Evercore ISI | 1 | 7 | 14% |
| Jefferies | 1 | 7 | 0% |
| Wells Fargo | 1 | 7 | 14% |
Capital One reported Q1 EPS of $3.34 with revenue up 44% year-over-year on the Discover addition, though excluding Discover, legacy revenue growth was approximately 6.8%. GAAP EPS was depressed by $1.08/share in Discover integration and purchase accounting adjustments, while adjusted EPS reached $4.42. The consumer remained resilient despite a Persian Gulf energy shock, domestic card credit improvement continued with delinquencies better than seasonal, and strong capital return of $2.5 billion in buybacks continued at a 14.4% CET1 ratio.
M&A | Competitive Dynamics | Credit | Margin | Capex Investment | Macroeconomic | Demand | Capital Allocation | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 6 | 3 | 6 | 5 | 1 | 4 | 3 | 1 |
| 2025Q1 | 9 | 5 | 5 | 2 | 4 | 5 | 2 | 1 |
| 2025Q2 | 11 | 4 | 1 | 4 | 3 | 1 | 1 | 2 |
| 2025Q3 | 3 | 6 | 4 | 4 | 2 | 1 | 1 | 1 |
| 2025Q4 | 9 | 4 | 3 | 3 | 3 | 1 | 3 | 1 |
| 2026Q1 | 5 | 1 | 3 | 3 | 2 | 1 | 1 | 3 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| M&A | 6 | 9 | 11 | 3 | 9 | 5 |
| Competitive Dynamics | 3 | 5 | 4 | 6 | 4 | 1 |
| Credit | 6 | 5 | 1 | 4 | 3 | 3 |
| Margin | 5 | 2 | 4 | 4 | 3 | 3 |
| Capex Investment | 1 | 4 | 3 | 2 | 3 | 2 |
| Macroeconomic | 4 | 5 | 1 | 1 | 1 | 1 |
| Demand | 3 | 2 | 1 | 1 | 3 | 1 |
| Capital Allocation | 1 | 1 | 2 | 1 | 1 | 3 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
COF Capital One | 6 | +44.2% | |
| AXP American Express Company | 8 | +10.3% | |
| MA Mastercard | 8 | +15.8% | |
| PYPL PayPal | 5 | +7.2% | |
| SYF Synchrony Financial | 7 | +16.6% | |
| V Visa Inc. | 9 | +17.1% |